| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN DILORENZO | 59259 VAN DYKE WASHINGTON TOWNSHIP, MI 48094 | BLUE CARE NETWORK OF MICHIGAN | $34K | — | $34K | 4.93% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE WASHINGTON TOWNSHIP, MI 48094 | BLUE CARE NETWORK OF MICHIGAN | — | $374 | $374 | 0.05% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN DILORENZO | 59259 VAN DYKE WASHINGTON TOWNSHIP, MI 48094 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $25K | — | $25K | 5.05% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 59259 VAN DYKE WASHINGTON TOWNSHIP, MI 48094 | GUARDIAN | $38K | $7K | $45K | 15.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JOHN DILORENZO AGENT | Insurance brokerage commissions and fees; Other commissions; Non-monetary compensation; Insurance agents and brokers; Other fees Service code 22 | 59259 VAN DYKE WASHINGTON TOWNSHIP, MI 48094 | $59K |
| MICHIGAN PLANNERS, INC. BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions; Non-monetary compensation; Other fees Service code 22 | 59259 VAN DYKE WASHINGTON TOWNSHIP, MI 48094 | $45K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 134 | $1.2M |
| Dental | GUARDIAN | 116 | $296K |
| Vision | GUARDIAN | 116 | $296K |
| Life insurance | GUARDIAN | 116 | $296K |
| Short-term disability | GUARDIAN | 116 | $296K |
| Long-term disability | GUARDIAN | 116 | $296K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 134 | $1.2M |
| Other | GUARDIAN | 116 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.